EXHIBIT 99.3
CLAYTON RATING AGENCY ATR QM DATA FIELDS
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF8_J17256 | |
| Rating Agency ATR QM Data Fields | ||
| Loans in Report: | 266 | |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4770 | XXXXXX | 6.1352 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6244.92 | XXXXXX | 6.0231 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7844 | XXXXXX | 6.2491 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 9 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 11 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9455.25 | XXXXXX | 6.7469 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 14 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4635.3 | XXXXXX | 6.0577 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 17 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8443.95 | XXXXXX | 6.344 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 18 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8524 | XXXXXX | 6.1302 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 21 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5714.2 | XXXXXX | 6.0634 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 23 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8781.5 | XXXXXX | 6.0825 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3855.08 | XXXXXX | 5.9329 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 34 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9076.07 | XXXXXX | 6.1431 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 36 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16274 | XXXXXX | 6.1821 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 38 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13274 | XXXXXX | 6.3101 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 633 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8512.25 | XXXXXX | 6.226 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11075 | XXXXXX | 6.4546 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 45 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3736.4 | XXXXXX | 5.8525 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 48 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6519.67 | XXXXXX | 6.2844 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 51 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9319.12 | XXXXXX | 6.2929 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 52 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3405 | XXXXXX | 6.1415 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 58 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10544 | XXXXXX | 6.2941 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11100 | XXXXXX | 6.1232 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 62 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7011.5 | XXXXXX | 6.0154 | Retired | Retired | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 65 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6352.01 | XXXXXX | 6.3953 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 66 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8936 | XXXXXX | 6.2484 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9524 | XXXXXX | 6.287 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8528.8 | XXXXXX | 6.4931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 73 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4211.5 | XXXXXX | 6.3945 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 74 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8285.15 | XXXXXX | 6.1405 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 76 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6917.24 | XXXXXX | 6.4162 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 78 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 16276.4 | XXXXXX | 7.058 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 79 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5999 | XXXXXX | 6.2081 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 80 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10073.24 | XXXXXX | 6.506 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 81 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7344.35 | XXXXXX | 6.271 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 83 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8274 | XXXXXX | 6.2736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 84 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4253.28 | XXXXXX | 6.0226 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 85 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8765.5 | XXXXXX | 6.0873 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 87 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13771.27 | XXXXXX | 6.4967 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 95 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6860.88 | XXXXXX | 6.5736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 97 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15404 | XXXXXX | 6.6859 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 98 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5504 | XXXXXX | 6.4409 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 100 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16931.5 | XXXXXX | 6.7697 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 103 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6914 | XXXXXX | 6.3987 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7899 | XXXXXX | 6.3873 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 107 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8699 | XXXXXX | 6.4425 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 109 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1585.99 | XXXXXX | 6.3522 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 114 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 970 | XXXXXX | 6.3085 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 117 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11424 | XXXXXX | 6.4662 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 118 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9299 | XXXXXX | 6.4971 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 120 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11649 | XXXXXX | 6.0947 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 123 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9074 | XXXXXX | 6.395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 124 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1203.05 | XXXXXX | 6.4201 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 125 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 746.3 | XXXXXX | 6.1929 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 126 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5514 | XXXXXX | 6.1774 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 127 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1980.12 | XXXXXX | 6.0173 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 131 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1921 | XXXXXX | 6.1011 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 132 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1654.6 | XXXXXX | 6.6587 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 133 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1594 | XXXXXX | 6.3187 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 138 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1299 | XXXXXX | 6.2991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 139 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6178 | XXXXXX | 5.9676 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 141 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1400 | XXXXXX | 6.2839 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 143 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1404 | XXXXXX | 6.2048 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 148 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9440.42 | XXXXXX | 6.3628 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 152 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4436.98 | XXXXXX | 6.116 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 153 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2789 | XXXXXX | 6.3056 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 155 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3598 | XXXXXX | 6.4449 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 156 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2748 | XXXXXX | 6.4415 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 160 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1609 | XXXXXX | 6.4171 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 162 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6310.96 | XXXXXX | 6.2092 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 177 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 4710.28 | XXXXXX | 6.4808 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 178 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2989.8 | XXXXXX | 6.2517 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 184 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3092 | XXXXXX | 6.3747 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 186 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7383.42 | XXXXXX | 6.2961 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 189 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2369 | XXXXXX | 5.984 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 192 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8824 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 193 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10130.91 | XXXXXX | 6.1179 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 195 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7800.45 | XXXXXX | 6.3473 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 198 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.6774 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 201 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3887.04 | XXXXXX | 6.2488 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 202 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6453.42 | XXXXXX | 6.1931 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 204 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7539.58 | XXXXXX | 6.1133 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 206 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4473.03 | XXXXXX | 6.6567 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 207 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.1222 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 209 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7550.9 | XXXXXX | 5.7875 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 210 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 17739.51 | XXXXXX | 6.5013 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 211 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11401.06 | XXXXXX | 6.3465 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 213 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3359 | XXXXXX | 6.449 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 214 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5213.02 | XXXXXX | 6.1989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 215 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2779 | XXXXXX | 7.1504 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3560.85 | XXXXXX | 6.0459 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 218 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.1245 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 220 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 1569 | XXXXXX | 6.1832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 223 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 4051.79 | XXXXXX | 5.9571 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1500 | XXXXXX | 6.5264 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 227 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | No | No | 8923.99 | XXXXXX | 6.161 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 230 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1734.82 | XXXXXX | 6.0269 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 232 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.2353 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 235 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4364.6 | XXXXXX | 6.4589 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 238 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4273.84 | XXXXXX | 6.4718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 239 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7367.21 | XXXXXX | 6.1852 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 240 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1809.8 | XXXXXX | 6.0379 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 242 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5021.4 | XXXXXX | 6.3648 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 243 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2782.66 | XXXXXX | 6.0086 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 245 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4829.91 | XXXXXX | 6.183 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 246 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 248 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.4233 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 250 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5186.12 | XXXXXX | 6.3892 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 251 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8272.57 | XXXXXX | 6.0832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 254 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3475 | XXXXXX | 6.1647 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 258 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6541.85 | XXXXXX | 6.9083 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 259 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2812.72 | XXXXXX | 6.5892 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 261 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4094.6 | XXXXXX | 6.4871 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 263 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7120.56 | XXXXXX | 6.3064 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 267 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.6837 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 270 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1648 | XXXXXX | 6.2169 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 275 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6357.12 | XXXXXX | 6.9149 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 276 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8221.96 | XXXXXX | 6.2035 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 278 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4195.5 | XXXXXX | 6.0658 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 279 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.2775 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 284 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2894.45 | XXXXXX | 5.9495 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3974.22 | XXXXXX | 6.1616 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 291 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1564.4 | XXXXXX | 6.2021 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 297 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3729 | XXXXXX | 6.4352 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11838.2 | XXXXXX | 6.1509 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 301 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.6299 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 306 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.5454 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 307 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6686.61 | XXXXXX | 6.7304 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 309 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2232.88 | XXXXXX | 6.9742 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 312 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8075.33 | XXXXXX | 6.1481 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 313 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3106.4 | XXXXXX | 6.4687 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 315 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8764.75 | XXXXXX | 6.3187 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 323 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6644.12 | XXXXXX | 6.6398 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 324 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8229.83 | XXXXXX | 6.1363 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 328 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3037.8 | XXXXXX | 6.7002 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 329 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3679.8 | XXXXXX | 6.7669 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 330 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8914.76 | XXXXXX | 6.0417 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 333 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6087.74 | XXXXXX | 6.2208 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 342 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3627.08 | XXXXXX | 6.7892 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 344 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7830.58 | XXXXXX | 6.2017 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 345 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11382.49 | XXXXXX | 6.1963 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 347 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2201.2 | XXXXXX | 6.2691 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 348 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.4039 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 352 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3685.48 | XXXXXX | 6.35 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 354 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6054 | XXXXXX | 6.671 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 355 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4650.54 | XXXXXX | 6.5177 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 358 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7076.5 | XXXXXX | 6.4862 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 364 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.5599 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 373 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4177.81 | XXXXXX | 6.1408 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 975 | XXXXXX | 6.162 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 378 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2795 | XXXXXX | 6.1012 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 382 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3670 | XXXXXX | 6.2439 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 386 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5849.55 | XXXXXX | 6.0757 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 387 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1257 | XXXXXX | 6.1586 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 388 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1900 | XXXXXX | 6.1627 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1050 | XXXXXX | 6.1787 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 391 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 6.1444 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 392 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1509.02 | XXXXXX | 6.3085 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 394 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1095 | XXXXXX | 6.1705 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 395 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6362 | XXXXXX | 6.3575 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 398 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 175 | XXXXXX | 6.021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 400 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2728.24 | XXXXXX | 6.3463 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1937.5 | XXXXXX | 6.0589 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 402 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2725 | XXXXXX | 6.1626 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 405 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1324 | XXXXXX | 5.9349 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 406 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1612.5 | XXXXXX | 6.0453 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 411 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 787 | XXXXXX | 6.1462 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 412 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.2193 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 414 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5588 | XXXXXX | 6.457 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 415 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3475.11 | XXXXXX | 6.07 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1645 | XXXXXX | 6.5788 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 418 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7177.5 | XXXXXX | 6.2029 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 421 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 6.4712 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 422 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5190 | XXXXXX | 6.402 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 424 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1553 | XXXXXX | 6.2914 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 428 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4404.96 | XXXXXX | 6.2181 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 429 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1655 | XXXXXX | 6.2853 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 430 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1250 | XXXXXX | 5.9148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 433 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.1735 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 439 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1694.4 | XXXXXX | 6.4257 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4945 | XXXXXX | 6.3997 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 445 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.4085 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 446 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 18436.8 | XXXXXX | 6.4108 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 448 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1145 | XXXXXX | 6.0845 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 449 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2802.8 | XXXXXX | 6.3684 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 451 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 732.54 | XXXXXX | 6.0255 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 453 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2583.53 | XXXXXX | 6.1971 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 455 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6078 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 460 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2108 | XXXXXX | 6.3002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 462 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 950.12 | XXXXXX | 6.2506 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 464 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3465.94 | XXXXXX | 6.5349 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 468 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1498 | XXXXXX | 7.044 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 470 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1718.95 | XXXXXX | 6.3013 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 472 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1785.69 | XXXXXX | 6.4531 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 474 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8765.68 | XXXXXX | 5.9813 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 486 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1156.46 | XXXXXX | 6.1481 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 487 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15060 | XXXXXX | 6.0247 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 492 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 999 | XXXXXX | 6.9145 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 496 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 194.95 | XXXXXX | 6.2683 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 497 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.4167 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 498 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4965.35 | XXXXXX | 6.3516 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 499 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3267.5 | XXXXXX | 7.0335 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 500 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12745 | XXXXXX | 6.1938 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 501 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 7.0191 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 502 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 794.5 | XXXXXX | 6.1701 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 504 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10846 | XXXXXX | 6.6655 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 505 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4826.02 | XXXXXX | 6.3108 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 506 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3364 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 511 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6 | XXXXXX | 6.0064 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 513 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 27422.5 | XXXXXX | 7.1041 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 514 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1532.2 | XXXXXX | 6.3135 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 516 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2425 | XXXXXX | 7.1207 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 519 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5135 | XXXXXX | 6.449 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 524 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10160 | XXXXXX | 6.3919 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 528 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5170 | XXXXXX | 6.0331 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 529 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9111.3 | XXXXXX | 6.0699 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 530 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.8808 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 531 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9043 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 532 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.514 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 533 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 5.7911 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1362.17 | XXXXXX | 5.917 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 536 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4306.35 | XXXXXX | 6.0686 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 537 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0637 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 540 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 5.9143 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 541 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1620 | XXXXXX | 6.549 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 542 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11364.46 | XXXXXX | 6.2167 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 543 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4306.09 | XXXXXX | 6.089 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 544 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10815 | XXXXXX | 6.48 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.9001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 549 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.875 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 552 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1095 | XXXXXX | 6.2375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 554 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6447.65 | XXXXXX | 6.4953 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 555 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8135 | XXXXXX | 6.596 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 556 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1517.08 | XXXXXX | 5.8689 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 558 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.6787 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 559 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.2882 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 562 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7612.5 | XXXXXX | 6.4528 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 563 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2550 | XXXXXX | 6.775 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 565 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2570 | XXXXXX | 6.1832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 21260 | XXXXXX | 7.0332 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 569 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.4659 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 570 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2055 | XXXXXX | 5.8473 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 572 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3112.29 | XXXXXX | 6.2314 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 574 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6721.8 | XXXXXX | 6.3882 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 575 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1050 | XXXXXX | 6.2502 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 576 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1399 | XXXXXX | 6.0352 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 580 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 6.4084 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 581 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1250 | XXXXXX | 6.2192 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 584 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9312 | XXXXXX | 6.116 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 585 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2826 | XXXXXX | 6.2079 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 588 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | 6.4378 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 592 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1795 | XXXXXX | 5.6846 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 595 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9061 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 599 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1434.15 | XXXXXX | 5.92 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 601 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6608 | XXXXXX | 6.53 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 603 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 21183.47 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 606 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1532.93 | XXXXXX | 6.2801 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 607 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2560 | XXXXXX | 6.3275 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 608 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.2824 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 611 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 5.9039 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| Deal ID |
Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/ QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2
Foreign National Indicator |
Borrowers Qualified Through a Non- Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | |||||||||||||||||
| 615 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3628.01 | XXXXXX | 6.0823 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 622 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3270 | XXXXXX | 5.8158 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 623 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12695.23 | XXXXXX | 6.4112 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 625 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9557.1 | XXXXXX | 6.1232 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 626 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.4124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 627 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9305.5 | XXXXXX | 6.4251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 628 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 995 | XXXXXX | 6.4484 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |